Senior Mortgages Transformation Lead

Senior Mortgages Transformation Lead
Location: London (Hybrid, 3 days per week office-based) | Practice Area: Banking & Payments | Type: Permanent

Drive mortgage innovation across the UK’s leading financial institutions

The Role
We’re looking for a Senior Mortgages Transformation Lead to join our Banking & Payments team. You’ll work with Tier 1 banks, building societies, and specialist lenders to shape and deliver high-impact mortgage strategies and transformation programmes. Acting as both subject matter expert and product owner, you’ll play a pivotal role in enhancing customer experiences, streamlining operations, and enabling commercial growth through innovative solutions.

What You’ll Do

• Lead large-scale mortgage transformation initiatives as SME or Product Lead

• Design strategic roadmaps focused on efficiency, customer outcomes, and business value

• Develop compelling business cases and target operating models for mortgage propositions

• Provide business oversight and subject matter expertise across change programmes

• Collaborate with cross-functional teams to deliver integrated, forward-thinking solutions

What We’re Looking For

• Extensive experience in financial services with a deep focus on mortgages and secured lending

• Proven ability to lead transformation across strategy, design, mobilisation, and delivery

• Strong consulting or industry background with hands-on exposure to the mortgage lifecycle

• Skilled in engaging senior stakeholders and resolving complex design and delivery issues

• Expertise in digital lending platforms, fintech innovation, and API-based solutions

Bonus Points For

• Experience with journey design, pricing optimisation, and channel transformation

• Deep commercial insight and experience in business case modelling

• Ability to operate in high-pace environments while balancing strategic and tactical thinking

• Familiarity with risk, finance, servicing, and operations within a mortgage context

• Track record of delivering measurable outcomes in cost-to-serve and customer satisfaction

Why Join Capco

• Deliver high-impact technology solutions for Tier 1 financial institutions

• Work in a collaborative, flat, and entrepreneurial consulting culture

• Access continuous learning, training, and industry certifications

• Be part of a team shaping the future of digital financial services

• Help shape the future of digital transformation across FS & Energy

We offer a competitive, people-first benefits package designed to support every aspect of your life:

Core Benefits:
Discretionary bonus, competitive pension, health insurance, life insurance and critical illness cover.
Mental Health:
Easy access to CareFirst, Unmind, Aviva consultations, and in-house first aiders.
Family-Friendly:
Maternity, adoption, shared parental leave, plus paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement.
Family Care:
8 complimentary backup care sessions for emergency childcare or elder care.
Holiday Flexibility:
5 weeks of annual leave with the option to buy or sell holiday days based on your needs.
Continuous Learning:
Minimum 40 Hours of Training Annually: Take your pick—workshops, certifications, e-learning—your growth, your way. Also, Business Coach assigned from Day One: Get one-on-one guidance to fast-track your goals and accelerate your development.
Healthcare Access:
Convenient online GP services.
Extra Perks:
Gympass (Wellhub), travel insurance, Tastecard, season ticket loans, Cycle to Work, and dental insurance.

Inclusion at Capco
We’re committed to making our recruitment process accessible and straightforward for everyone. If you need any adjustments at any stage, just let us know – we’ll be happy to help. We value each person’s unique perspective and contribution. At Capco, we believe that being yourself is your greatest strength. Our #BeYourselfAtWork culture encourages individuality and collaboration – a mindset that shapes how we work with clients and each other every day.